Based on this text, what is the relationship between faith, knowledge, and the law of Karma?

Chapter 47 presents a distinct view on the law of Karma, describing its workings as "very deep" and difficult to understand. It suggests that intellectual prowess is not enough to navigate it, stating that the "highly learned are deceived" in their attempts to comprehend it. In contrast, the text offers a different path to salvation, asserting that "the ignorant but faithful are saved." Furthermore, it is suggested that hearing Sai's holy stories can directly sever the bonds of Karma. Thus, as explained in Chapter 47, faith and devotion are portrayed as more effective than intellectual knowledge in overcoming the complexities of Karma.